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The Baby-Formula Crime Ring (2018)

nytimes.com

21–30 of 88 posts

Re: The Baby-Formula Crime Ring (2018)

#21

Genuine question: Is living in America as horrible as it sounds for the average, non-rich citizen? Impression I get from the media: * Education sets you in semi-if-not-permanent debt. * Housing is impossibly expensive. * Single hospital visit can be thousand of dollars. * Critical medication is hundreds of dollars a month (or more). * Unpaid, (effectively) mandatory overtime. * Many people work several jobs (as adult…

* My education left me with 12k USD of debt, but provided significant earning opportunities. For me, it was worthwhile. I did elect to forgo a graduate degree, despite my above-average grades and desire to obtain one, because it would have incurred upwards of 50k USD of additional debt. One of my friends graduated with nearly 80k USD of debt to obtain a masters degree of engineering, and has not paid it back fully after ten years. Another person I knew graduated with a bachelors of fine arts from the most expensive institution in my state, with nearly 200k USD worth of debt. It has ruined her financial life forever. So, there are many possible outcomes. Meanwhile, my mother worked part-time during the summer holiday and was able to use those wages to fully pay for her own tuition and board at an excellent state school. In general, I believe the extension of easy credit, un-dischargeable in bankruptcy, has encouraged schools to raise prices without limit.

* Housing is highly location dependent. Many communities have been utterly deprived of income-producing work, and housing there can be had for a pittance. Places with opportunity to work are flooded by those seeking out the few remaining opportunities. In the past, companies and individuals would go to less-populated areas to establish manufacturing or farming ventures, making profitable use of the cheap land. with those sorts of industries leaving the country or being consolidate by conglomerates, the few remaining opportunities to earn income are consolidated into a minority of cities. Cheap credit here, too, has allowed the desirable land in these areas to be consolidated into a few financial-real-estate instruments. In other words, there is historically extraordinary demand for a commodity which is practically monopolized.

* Single hospital visits are always thousands of dollars. In the past, the American Medical Association lobbied congress to increase the cost of medical care, because they were embarrassed that the poor were able to afford the services of physicians. See the history of "friendly societies" in the US for details. Then, also, medical insurance began to be offered by companies to their employees as a way to increase tax-free wages. When this practice became common, some politicians viewed it as politically convenient to force these insurance companies to cover non-emergency procedures and doctors visits as well. This is an economic problem called "third party payer" which always results in rising prices. Medical practitioners cannot legally have two pricing tiers for the insured and the uninsured, so the high prices are what sticks.

* As for medications, take note that the previous president edicted that the prices of certain medications be lowered. The current, mainstream, president rescinded those edictions in less than one month. It is in the interest of the powerful and wealthy in this country that these prices remain high.

* The way employees may be treated depends on their classification. Hourly wage employees are legally required to be paid a premium for overtime work. Salaried employees are considered exempt from such requirements. This creates an incentive to classify employees such that they are exempted from the overtime protections. See also the practice of classifying employees as contractors to exempt them from legal protections, or preventing hourly employees from working enough hours to qualify for certain legal protections.

* The previously mentioned employee classification system is the direct cause of many people having to work multiple jobs. The people I know that had to behave this way would have preferred to work longer hours at a single employer but that would have caused their employer to provide them with the legal obligations for a full-time employee.

* Paid time off for any reason is a feature of many positions but not all of them. In practice, employers would just work to re-classify employees such that their overhead per employee was at a level they considered acceptable, regardless of legal obligations, as stated previously.

Life in the US is largely controlled by the very wealthy (oligarchs) rather than by democratic processes. This has been the mainstream political order in this country since at least the 1970s, but has been present to a smaller degree for some time before that. I will further note that there are exceptionally vast cultural, moral, practical, and ideological differences between different parts of the country, and your individual experience depends heavily on that fact.

Re: The Baby-Formula Crime Ring (2018)

#22

Genuine question: Is living in America as horrible as it sounds for the average, non-rich citizen? Impression I get from the media: * Education sets you in semi-if-not-permanent debt. * Housing is impossibly expensive. * Single hospital visit can be thousand of dollars. * Critical medication is hundreds of dollars a month (or more). * Unpaid, (effectively) mandatory overtime. * Many people work several jobs (as adult…

* My education left me with 12k USD of debt, but provided significant earning opportunities. For me, it was worthwhile. I did elect to forgo a graduate degree, despite my above-average grades and desire to obtain one, because it would have incurred upwards of 50k USD of additional debt. One of my friends graduated with nearly 80k USD of debt to obtain a masters degree of engineering, and has not paid it back fully af…

Very interesting read. Thank you.

Re: The Baby-Formula Crime Ring (2018)

#24

Genuine question: Is living in America as horrible as it sounds for the average, non-rich citizen? Impression I get from the media: * Education sets you in semi-if-not-permanent debt. * Housing is impossibly expensive. * Single hospital visit can be thousand of dollars. * Critical medication is hundreds of dollars a month (or more). * Unpaid, (effectively) mandatory overtime. * Many people work several jobs (as adult…

Financially, it sounds pretty bad and unstable:

> more than a third of Americans said they could not cover an unexpected $400 home repair or hospital bill without going into debt

> a third of U.S. adults say they are having difficulty covering everyday costs such as food, rent or car payments

> survey after survey for years has found that most people in the U.S. live paycheck to paycheck.

https://www.npr.org/2020/12/16/941292021/paycheck-to-paychec...

Re: The Baby-Formula Crime Ring (2018)

#25
post #2

I remember baby formula from Amazon arriving with the tamper seal opened. I immediately realized what happened. Someone purchased baby formula, used it, filled it with powder, sold it at the Amazon market place, and then Amazon shipped it to me (Amazon thought the tampered product was indistinguishable from its factory purchased products). I stopped ordering anything food related from Amazon. Pay attention to the tam…

What country are you in? Is that a serious criminal offense? Did law enforcement get involved?

Re: The Baby-Formula Crime Ring (2018)

#26

Genuine question: Is living in America as horrible as it sounds for the average, non-rich citizen? Impression I get from the media: * Education sets you in semi-if-not-permanent debt. * Housing is impossibly expensive. * Single hospital visit can be thousand of dollars. * Critical medication is hundreds of dollars a month (or more). * Unpaid, (effectively) mandatory overtime. * Many people work several jobs (as adult…

40% of us have iPhones, it can't be that bad.

Re: The Baby-Formula Crime Ring (2018)

#27

Based on the date, it looks like I literally missed this article because I was standing in the aisle of a grocery store trying to decide which formula to buy for my three-day-old baby.

Ha-- having been in that situation this past October, that simple description is incredibly evocative for me. Even in that dazed, sleepless state, though, I remember a sudden upwelling of intense sadness when I realized for the first time how expensive such a basic necessity was... and how they felt the need to keep it all locked up. Real moment of clarity about the state of this country (US).

Re: The Baby-Formula Crime Ring (2018)

#28

Genuine question: Is living in America as horrible as it sounds for the average, non-rich citizen? Impression I get from the media: * Education sets you in semi-if-not-permanent debt. * Housing is impossibly expensive. * Single hospital visit can be thousand of dollars. * Critical medication is hundreds of dollars a month (or more). * Unpaid, (effectively) mandatory overtime. * Many people work several jobs (as adult…

There is definitely a "sweet spot" where things could be very uncomfortable for you, if you're doing well enough to not qualify for government assistance but poorly enough to need some kind of help. In general I think a lot of stories are somewhat sensationalized and that our culture is more enthusiastically self-critical than Sweden's.

Schools are an example, how you always hear about the ruinous costs of expensive schools, but it forgets all manner of grants, academic assistance, and the existence of much cheaper schools (everything from in-state to community colleges). A greater portion of American citizens have tertiary education compared to Sweden[1], so it would be weird if education were effectively/relatively more expensive here.

Healthcare is similar. It's provided free to people who can't afford it and people with good jobs will get health insurance from their jobs. There is a window, the sweet spot I referred to, where people can "technically" afford healthcare so it isn't given free by the government, but affording it is a genuine hardship for them or an unexpected illness crushes them financially. You can also shrug off lots of medical debt by declaring bankruptcy or telling the hospital you will declare bankruptcy unless they negotiate better terms for you to pay - and hospitals can't turn you away in an emergency.

Housing is impossibly expensive only in some areas and incredibly cheap in others. Go on Zillow and look at houses in Houston, for example. I expect you'll see large and luxurious houses for relatively good prices. Houses in some cities (Seattle, New York, SF) are expensive but not in all/most.

Regarding overtime it depends how you get paid. If you're paid by the hour then unpaid overtime would be illegal. If you're paid salary then the expectation is that you do your job if it takes 8 hours a day or if it takes 12 (or if it takes 4). Some jobs exploit this but again, it's right in the sweet spot. High end jobs either compensate you enough so it's worth it (think: your high priced business lawyer will answer your 2 am phone call, but you pay him millions) and other jobs won't exploit you too much because you'll leave if they try it (work life balance isn't good).

I have less knowledge around maternity leave and paid vacation. I've only seen that stuff from my perspective and I've been lucky enough to work at places where both have been generous.

1 - https://en.m.wikipedia.org/wiki/List_of_countries_by_tertiar...

Re: The Baby-Formula Crime Ring (2018)

#29
post #3

Alternatively, don't feed your baby processed crap food.

Shaming women for not breastfeeding is really shitty.

And really common. We've actually heard horror stories of the lactation nurses can be the worst. Personally, we're pretty open about the fact that my wife had a double mastectomy yet we still got "I would never" type of shade thrown our way for formula feeding. The struggle is real and it's not the right time to be shaming a new mother.

Re: The Baby-Formula Crime Ring (2018)

#30
post #9

Earlier quoted context omitted.

Well you definitely have the wrong idea. About 20% of Americans do live in extreme economic precarity. But things are not out of a horror movie. That’s in fact why there hasn’t been a violent revolution, things aren’t bad enough here (yet?).

> 20% of Americans do live in extreme economic precarity > That’s in fact why there hasn’t been a violent revolution You're being sarcastic, no? A fifth of the people are living in extreme economic precarity. Your Capital was stormed by terrorist from your own country. Widespread policy brutality lead to protests over the entire country, culminating in city blocks being burnt down in what, a dozen cities?

Americans are pissed about a lot of the things we see around us, yet we also have a political system that, were all of us involved, would likely provide the means to fix many of those things.

If you ask an American about, say, the problem of homelessness they will tell you it is awful, and there are more people living in tents, and etc. etc.

But, the overwhelming majority of people will not lift a finger to get involved in either nonprofit or public-sector solutions in any meaningful hands-on way.

So, we're upset about everything and simultaneously unwilling to put in a collective effort to fix any of it (even though we know we could if we really tried - we were raised on the idea of American exceptionalism after-all). I think that produces a sort of cognitive dissonance throughout the population. We know these problems are tractable, we know we're capable of solving them, but we also know we're not going to do a damn thing about them.

The origins of the cognitive dissonance can perhaps can be attributed to the strong mythologic narrative of individualism in the country running up against the erosion of community, the income gap, the increasing complexity of the problems we face, and the inadequacy of out K-12 education system to prepare students to function competitively in the 21st century.

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